Visbanking Logo
Skip to main content

Grant County Bank

IDRSSD: 361354
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q1QoQ +14

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #361354 2025-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (watch).

Liquidity:Strong
Securities:Stable
Capitalization:Watch
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.01% of loans.

What changed this quarter

Compared to Q4 2024:
↑ +14 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -19
  • Capitalization
    — —
  • Asset Quality
    ↑ +33
  • Reserves
    ↑ +60

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 23.1%, cash 17.0% of assets.

Cash / Assets
17.02%
Loans / Deposits
23.12%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -19
74
Sub-score

Securities profile is stable: securities 27.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.78%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 15.35%.

Tier 1 RBC
—
CET1
0.00%
Leverage
15.35%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ +33
77
Sub-score

Asset quality is stable: Adjusted NPL 1.00%, Texas Ratio 1.2%, NCO YTD 1.01%.

Adjusted NPL
1.00%
Govt-guarantees stripped
Texas Ratio
1.2%
NCO YTD
1.01%
30-89 PD
1.03%
Band 0.3% / 3.0%
90+ PD
0.83%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.01% of loans.

Reserves

StrongQoQ +60
100
Sub-score

Reserves are strong: ALLL 3.34% of loans, coverage 345.1%, true coverage 345.1%.

ALLL / Loans
3.34%
Coverage
345.1%
True Loss Coverage
345.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 01:26:52 UTC